Terms of Service

1. The service

esaFiskaly is a Business Operating System for Indonesian SMEs: POS, inventory, double-entry accounting, tax calculators (PPh 21/23/25/26/4(2)/Final UMKM/VAT), bukti potong, faktur pajak, SPT Masa & Tahunan, plus multi-client consultant workflows.

We deliver it as SaaS on a subscription model. Released features are listed on the Changelog and documentation.

2. Account & memberships

• You are responsible for keeping your credentials confidential.
• You warrant that the tenant data you enter is accurate and that you are authorized to manage it.
• Membership roles (OWNER/ADMIN/ACCOUNTANT/AUDITOR/VIEWER/CONSULTANT) determine authority; the OWNER is responsible for access management.

3. Subscription & billing

A 30-day trial is created automatically when you register a tenant. After the trial, the subscription must be activated to retain write capability (creating invoices, journals, SPT, etc.).

Charges follow your selected plan (monthly / yearly) via the manual bank-transfer mechanism in this MVP. Payments are confirmed by an esaFiskaly super-admin.

When a subscription expires, the tenant enters read-only mode: you can still log in, view reports, export, and renew. Data is not deleted.

4. Data ownership

You own your tenant data. esaFiskaly acts as a data processor under the Privacy Policy.

You can export your financial data at any time in standard CSV/XML formats. We will not lock your data behind a paywall.

5. Acceptable use

• No using the service for illegal purposes or tax fraud.
• No reverse engineering, excessive automated scraping, or circumventing technical limits.
• No uploading malware or content that violates Indonesian law.
• Serious violations can lead to account suspension after notice.

6. Tax regulation disclaimer

esaFiskaly implements Indonesian tax rules based on a snapshot of the regulations at the time each feature was built. Regulations can change and those changes are not automatically reflected until the next release.

We do not replace professional advice from a certified tax consultant or public accountant. Final responsibility for tax filings remains with the taxpayer.

Full disclaimer text is on the Regulatory Disclaimer page.

7. Limitation of liability

To the maximum extent permitted by applicable law, esaFiskaly is not liable for indirect damages, lost profits, or data losses arising from your use of the service.

Our maximum liability for any claim is capped at the subscription fees you paid esaFiskaly in the 12 months preceding the claim.

8. Termination

• You may cancel any time; your tenant enters read-only mode after the active period ends.
• We may terminate accounts that breach these Terms, after reasonable notice.
• After termination you keep a window (default 30 days) to export data before permanent deletion.

9. Governing law

These Terms are governed by the laws of the Republic of Indonesia. Disputes are first resolved through good-faith discussion; if that fails, through a forum the parties agree on.

10. Changes to these Terms

Material changes are announced at least 14 days in advance via email to tenant OWNERs and a dashboard banner.